Category Archives: Insurance news

Insurance news

List of insurance services provided by ICEA Lion group, how to get them online and contacts

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ICEA lion group is one of the largest insurance service provider in East Africa. It provides a number of insurance and financial services to its customers. 

ICEA lion group gives customized insurance covers and financial services that include:  Anticipated Endowment Plan ,  UsomiBora Education Policy ,  Personal Retirement Scheme (PRS) and many more. These products enable you to create and protect wealth.

ICEA Lion Group branches include:

HEAD OFFICE Kenyatta Avenue Branch (ICEA Building)
University Way Branch (Ambank House)
Upper Hill Branch (Williamson House)
Westlands Branch (Unga House)
Mombasa Road Branch (Tulip House)
Karen Branch (Karen Office Park)
Thika Branch
Meru Branch
Nyeri Branch
Mombasa Town Office Branch
Mombasa Nyali Office Branch
Kisumu Branch
Eldoret Branch
Nakuru Branch

Insurance news

Home insurance Cover; Resolution Kenya Insurance Services

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The Resolution Kenya home insurance cover is designed to cover the house, contents domestic employees as well as protects the owner against legal costs arising from incidents or accidents.

Benefits

Resolution Home Insurance Policy gives indemnity to restore/compensate you against losses or damage arising from any of the following causes:

  • Fire, lightning, earthquake, storm or floods,
  • Explosion of domestic appliances,
  • Riots & strikes and malicious damage,
  • Damage caused by falling aircraft or other aerial devices,
  • Bursting or overflowing or water tanks apparatus or pipes,
  • Impact by vehicles, animals and falling trees or branches,
  • Accidental death or injuries to domestic employees,
  • Legal costs arising out of acts or omissions of the owner of occupier,
  • Loss, accidental damage, and or theft of items covered.

Related Content:

What is covered?

A – Buildings

Covers a private dwelling house or private flat including domestic outbuildings, fixtures and fittings walls, gates and fences all on the same premises.

B – Contents

Covers loss or damage to personal belongings like furniture, household goods, electrical equipment and other personal items if they are stolen, destroyed by fire or other insured event.

C – All Risks

Covers items that are taken out of the house like jewellery, laptop computers, mobile phones, cameras etc.

D – Workmen Injury Benefit Act

WIBA cover for both indoor and outdoor domestic servants. 2 workers are covered for free.

E & F – Owners & Occupiers Liability

Covers legal liability in respect to third party injury or damage to property parties arising from the insured’s negligence as owner or occupier of the property insured under the policy.

How to Claim

  • Notify the nearest police station for all losses.
  • Notify Resolution Insurance of the claim and submit all relevant documents.
  • Resolution Insurance will then process the claim
  • Admissible Claims are paid within 7 days of signing discharge voucher.

Special Conditions / Exclusions

  • No one article shall be deemed of greater value than 5% of the Total Sum Insured on the Contents or Kshs. 50,000/= unless such article is specifically listed in the schedule.
  • The total value of Platinum, Gold and Silver articles, Jewellery and Furs shall not exceed ONE-THIRD of the Total Sum Insured on Contents unless specially agreed herein and accompanied by Valuation Certificates.
  • Un-occupancy – 7 days for contents, 30 days for buildings (Subject to the building being under the care of a caretaker at all times)
  • Terrorism & Political Risks Exclusion
  • Mechanical or Electrical Breakdown
  • Wear and Tear, Depreciation, Atmospheric Conditions
  • Breakage of Glass or Articles of Brittle Nature unless caused by Fire or Theft
  • Excess on Section C only: 10% each and every loss minimum KES. 2,000
Insurance news

Best top 5 Insurance Tips when buying a policy

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Insurance cannot prevent something bad from happening. But it helps us recover financially if something does happen to something we value.
There are essentially four types of insurance, namely: Car Insurance, Home Insurance, Travel Insurance and Funeral Insurance.

Here are five tips for buying insurance:

1). Shop smart.

When looking for insurance, your No. 1 priority should be to find adequate coverage. Price is important, but you’ll want to determine what kind of coverage you need first. Then you can fit that coverage into your budget and determine which carrier can provide you with the most comprehensive policy for your situation. You may be tempted to choose insurance with the lowest price tag, but if you don’t have enough coverage (or the right kind of coverage), you will see less financial benefit when it comes to filing a claim.

2). Look for discounts.

Once you evaluate your coverage needs, factor in your budget and find ways to save. Ask your insurance agent if there are any discounts on your coverage. Often, carriers offer discounts for things like paying your policy in full, staying auto accident-free or, if you’re in school, getting good grades. You also can save money by “bundling” multiple policies, such as purchasing a home and auto policy from the same carrier.

3). Fill in the gaps.

An average policy will cover the basics, but you may need to add extra coverage to meet your unique needs. For instance, you may have items like electronics or a nice piece of jewelry that would be financially difficult to replace, even with the assistance of your average renters or homeowners policy. You may want to add additional coverage for these items.

4). Purchase life insurance.

You aren’t too young. Life insurance is essential, no matter how young or old you are. And for millennials, buying now may be a smart move because it’s cheaper to buy a life insurance policy when you’re young and healthy. This kind of insurance can help your family cover unexpected costs in your absence, including student loan debt or a mortgage, in addition to end-of-life costs. And if you have kids, a life insurance policy can also support their education or childcare expenses. Additionally, every millennial should consider long-term disability coverage, which helps you stay afloat financially if an accident happens and you become disabled and unable to work.

5). Talk to an insurance agent.

An insurance agent is an essential resource when purchasing insurance, especially if this is your first time. An agent works with multiple different carriers, which is different from captive agents who can only sell insurance from the carrier they work for. Working with an insurance agent can help make sure that you are getting the best coverage, for the best price. You’ll also benefit from the agent’s insurance knowledge; they know how to talk you through your options and actually explain what each policy includes. An insurance agent will make sure all of your assets are covered, help you find discounts or other ways to save, and be a valuable resource. As your life changes, your insurance needs change too.

Insurance news

Licenced Loss Adjusters in Kenya {IRA Final List}

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Loss adjusters play a crucial, independent role in the insurance claims process in Kenya.

Here is an overview of insurance loss adjusters in Kenya, including examples of firms and the general professional requirements:

Key Loss Adjusting Firms in Kenya

Several firms and individual professionals offer loss adjusting services in Kenya. These include:

  • General Adjusters Kenya Ltd: A major chartered loss adjusting and surveying firm operating since 1998 in Kenya and Uganda.

  • Credible Loss Adjusters: A firm emphasizing integrity, professionalism, and accuracy across various classes of insurance claims.

  • Proximate Adjusters Limited: Chartered Loss Adjusters & Surveyors specializing in various policies like Fire, Burglary, and Contractors All Risks.

  • Advanta Global Services (Kenya): An international firm with senior loss adjusters in Nairobi specializing in property, business interruption, and fidelity guarantee.

  • McLarens Young International: Listed as a provider for major and technical losses.

  • International Loss Adjusters Ltd and Kenya Loss Assessors & Surveyors Ltd are other firms listed in the business directories.

These firms work as independent specialists who investigate claims on behalf of insurance companies and other clients to assess the damage, determine the cause of the loss, verify coverage, and recommend a fair settlement.

🏛️ Regulatory and Professional Body

The professional body that represents the interests of loss adjusters and risk surveyors in the country is:

  • Institute of Loss Adjusters & Risk Surveyors (IARS): This is a non-profit professional body that focuses on the furtherance of professional education and practice in loss adjusting, risk surveying, motor assessment, and insurance investigation. They are based at the College of Insurance in Nairobi.

📝 Requirements to Practice as a Loss Adjuster

The insurance sector in Kenya is regulated by the Insurance Regulatory Authority (IRA), under the Insurance Act, Cap 487. To operate as a Loss Adjuster in Kenya, the principal officer of the firm must meet specific requirements, which include:

  1. Professional Qualification: The Principal Officer must possess a qualification in loss adjustment from a recognized institution.

  2. Experience: A minimum of five years of working experience in insurance loss adjustment.

  3. Registration and Licensing: The firm must be registered and licensed by the Insurance Regulatory Authority (IRA) to legally carry on insurance business. This involves submitting an application, paying a registration fee, and providing proof of a sound financial standing (for corporate applicants).

Professional qualifications from bodies like the Chartered Insurance Institute (CII) and the Chartered Institute of Loss Adjusters (CILA) are highly regarded in the industry.

Licenced Loss Adjusters in Kenya {IRA Final List}

 

Licensed Insurance Companies in Kenya,
Insurance Agencies in Kenya,
IRA Kenya,
Commissioner of insurance Kenya,
List of Insurance agents in Kenya,
IRA licensed agents,
Insurance brokerage requirements in Kenya,
Minimum capital require,
Insurance news

Licensed Insurance Brokers in Kenya {IRA Final List}

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Kenya has a vibrant insurance sector with numerous insurance brokers who act as intermediaries between clients and insurance companies. They help individuals and businesses find suitable insurance products.

 Key Services Insurance Brokers Offer

Insurance brokers are generally utilized for:

  • Risk Assessment: Analyzing your needs to determine the right kind of coverage.

  • Comparison Shopping: Comparing policies, terms, and prices from various insurance companies to find the best fit.

  • Negotiation: Negotiating better terms and premiums on your behalf.

  • Claims Assistance: Guiding you through the claims process and helping ensure a fast and fair settlement.

Examples of Established Insurance Brokers in Kenya

Several brokers are well-known in the Kenyan market, serving a range of clients from individuals to large corporations:

  • Sedgwick Kenya Insurance Brokers: Mentioned as a long-standing broker with expertise in general, health, and life insurance for diverse sectors. They have received awards in various categories.

  • Aon Kenya Insurance Brokers (Minet Kenya): A major global and regional brokerage firm, often handling large corporate and public sector clients (Minet Kenya is the former Aon Kenya).

  • J.W. Seagon Insurance Brokers (K) Ltd

  • Eagle Africa Insurance Brokers

  • Alexander Forbes Risk & Insurance Brokers Kenya Ltd

  • Laser Insurance Brokers: They are licensed by the Insurance Regulatory Authority (IRA) as an insurance broker and a medical insurance provider (MIP).

  • Majani Insurance Brokers Ltd: Stated as a leading independent broker with over 45 years of experience in East Africa.

  • Clarkson Insurance Brokers

Regulatory Authority

All insurance intermediaries, including brokers, are regulated by the Insurance Regulatory Authority (IRA) in Kenya. You can often check their official website for the most current list of licensed insurance brokers to ensure you are dealing with a legally compliant entity.

Licensed Insurance Brokers in Kenya {IRA Latest List}

Top 10 Insurance Brokers in Kenya,
Top 20 Insurance Brokers in Kenya,
Best Insurance Brokers in Kenya,
Blacklisted Insurance Brokers in Kenya,
Insurance brokerage requirements in Kenya,
Bahari Insurance Brokers limited,
Insurance Brokers Nairobi,
Insurance agents in Kenya,
Insurance news

Licensed Reinsurance Brokers in Kenya {Most Recent IRA List}

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Reinsurance Brokers in Kenya: The reinsurance market in Kenya involves local and international brokers who facilitate the transfer of risk between primary insurance companies and reinsurers.

Based on available information, some of the accredited and prominent reinsurance brokers operating in or with a presence in the Kenyan market include:

1. Locally Registered Reinsurance Brokers

These firms are directly based and licensed in Kenya for reinsurance brokerage:

  • First Reinsurance Brokers Ltd (FirstRE): A pioneer in the local market, incorporated in the early 1990s and licensed as the first reinsurance broking company in Kenya.

  • Kenbright Reinsurance Brokers Limited

  • Reinsurance Solutions International Limited

  • Nairobi Reinsurance Brokers Limited

  • Prestige Reinsurance Brokers Limited

2. Major International Brokers (with local presence or accredited to operate)

Several international reinsurance brokerage firms are also accredited to transact business in the market:

  • AON UK Limited

  • Willis Limited

  • J.B Boda Insurance and Reinsurance Brokers Pvt. Ltd. (with a Liaison office in Nairobi)

  • Marsh Africa (Pty) Limited (Accredited through their African operations)

  • Price Forbes and Partners Limited

What a Reinsurance Broker Does

Reinsurance brokers act as intermediaries between ceding insurance companies (the client) and reinsurance companies (the market). Their key services include:

  • Market Placement: Securing reinsurance coverage (both Treaty and Facultative) from suitable local and global reinsurers.

  • Risk Assessment: Analyzing the insurer’s portfolio and designing tailored reinsurance programs.

  • Negotiation: Obtaining the best terms, conditions, and pricing for the reinsurance coverage.

  • Claims Management: Assisting the ceding company with the recovery of claims from the reinsurers.

  • Consultancy: Providing advice on capacity, risk management, and regulatory compliance.

Important Note

Lists of licensed and accredited players are regularly updated by the Insurance Regulatory Authority (IRA) in Kenya. For the most current and comprehensive list, it is always best to refer to the latest publications from the IRA.

Licensed Reinsurance Brokers in Kenya {Current IRA List}

 

 

Insurance news

Insurance news- complete guide to how insurance works and a list of all insurance companies in Kenya plus contacts

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How Insurance Works

Have you ever thought about taking an insurance policy but been defeated how to go about it? So how exactly does insurance work? The information below provided by the Association of Kenya Insurers, AKI, can go a long way in trying to help you understand what exactly insurance is;

Insurance cannot prevent something bad from happening. But it helps us recover financially if something does happen to something we value.

When you buy insurance, you pay a premium. This premium joins a pool of premiums from other policy holders. The money from this pool is what is used to pay you if the insured event occurs and you claim from the insurance company. The risk is therefore spread among a large group of people.

Insurance Companies also need insurance to be able to cover the risks they have insured, this is called Re-Insurance.

Once a claim is lodged, depending on the type of policy you took, the insurance company will come in and assist through rebuilding/repairing, replacing, providing cash settlement or any other form of compensation as per policy agreement.

There are essentially four types of insurance, namely: Car Insurance, Home Insurance, Travel Insurance and Funeral Insurance.

If your insurer does not pay your claim and you are unhappy with their decision, you can contact the Insurance Regulatory Authority via [email protected] or toll free number 0800724499

Insurance Companies in Kenya

Below is a list of Insurance Companies operating in Kenya as provided by the Association of Kenya Insurers, AKI:

AAR Insurance Company Ltd
George Williamson House, 2nd Floor, 
2nd Floor, 4th Ngong Avenue
Email: [email protected]
Website: www.aar-insurance.com/ke

allia

Allianz Insurance Company of Kenya 
4th Floor, Cavendish Block-14 Riverside Drive 
Email: [email protected]
Website: www.allianz-africa.com

amako

Africa Merchant Assurance Co.Ltd
2nd Floor, Trans-National Plaza, 
Mama Ngina Street, 
Email: [email protected]
Website: www.amaco.co.ke

aig

AIG Kenya Insurance Company Ltd
AIG House, Eden Square Complex, Chiromo Road, 
Email: [email protected]
Website: www.aig.co.ke

APA Insurance Company Ltd
& 
APA Life Insurance Company Ltd
Apollo Centre, Westlands
Email: [email protected]
Website: www.apainsure.org

barclays

Barclays Life Assurance Kenya Ltd
PO Box 30120 – 00100 Nairobi
Barclays Westend Building, Off Waiyaki Way
Email: [email protected]
Website: https://www.barclays.co.ke/corporate/insurance/

britam

Britam General Insurance Company
&
Britam Life Assurance InsuranceCompany
Britam Centre,
Mara/Ragati Road,Upperhill
P.O. Box 30375-00100 Nairobi
Email: [email protected]
Website: www.britam.com

capex

Capex Life Assurance Ltd
7th Floor, Galana Plaza, Wind D Suite 01, Galana Rd, off Argwings Khodek 
6th Floor Avenue Office Suites, Ngong Road
Emil: [email protected]
Website: www.capexlifeassurance.co.ke

logo

CIC General Insurance Company
&
CIC Life Assurance Company
CIC PLAZA, Mara Road, Upper Hill.
Email: [email protected]
Website: www.cic.co.ke

corporate

Corporate Insurance Company Ltd
13th Flr, International Life House
P.O. Box 34172-00100 Nairobi
Email: [email protected]
Website: https://www.corporate-insurance.co.ke

direct

Direct Line Assurance Company Ltd
17th Floor, Hazina Towers, Monrovia Street, 
Email: [email protected]
Website: https://www.directline.co.ke

fidelity

Fidelity Shield Insurance Company
Equatorial Fidelity Centre, 5th Floor, Waridi Lane, 
Off Waiyaki Way, Westlands.
P.O.Box 47435, 00100 Nairobi, GPO Kenya.
E-mail:[email protected]
Website: www.fidelityshield.com

life

First Assurance Company Ltd
First Assurance House, Gitanga Rd, Box 30064-00100 Nairobi
Email: [email protected]
Website: www.firstassurance.co.ke

ga

GA Kenya Insurance Company Ltd
GA House, Ralph Bunche Rd, 
Email: [email protected]
Website: www.gakenya.com

gemina

Geminia Insurance Company Ltd
6th Floor, Geminia Plaza Upper Hill
Email: [email protected]
Website: www.geminia.co.ke

heritage

Heritage Insurance Company Ltd
(A member of Liberty)
Liberty House, Mamlaka Road
Email: [email protected]
Website: www.heritage.co.ke

icea

ICEA LION General Insurance Company
&
ICEA LION Life Assurance Company 
ICEA Building, Kenyatta Avenue
Email: [email protected]
Website: www.icealion.com

intra

Intra Africa Assurance Company Ltd
Williamson House, 4th Ngong Avenue
P.O. Box 43241-00100 Nairobi 
Email: [email protected]
Website: www.intraafrica.co.ke

invesco

Invesco Assurance Company Ltd
3rd floor Bishop Magua Centre, Ngong Road
Email: [email protected]
Website: www.invescoassurance.co.ke

jubilee

Jubilee Insurance Company Ltd
Jubilee Insurance House, Mama Ngina Street
Email: [email protected]
Website: www.jubileeinsurance.com/ke/

Kenindia Assurance Company Ltd
Kenindia House, Loita Street
Email: [email protected] 
Website: www.kenindia.com

kenya

Kenya Orient Insurance Company Ltd
& 
Kenya Orient Life Assurance Ltd
Capitol Hill Towers, 6th Floor 
Cathedral Road, Nairobi 
Email: [email protected]
Website: www.korient.co.ke

alliance

Kenyan Alliance Insurance Company 
Chester House, Koinange Street
Email: [email protected]
Website: www.kenyanalliance.com

liberty

Liberty Life Assurance Company Ltd
Liberty House, Processional Way. 
P.O. Box 30364-00100, Nairobi, Kenya. 
Email: [email protected]
Website: www.libertylife.co.ke

mad

Madison Insurance Company Ltd
Madison Insurance House, Upper Hill Road
Email: [email protected]
Website: www.madison.co.ke

mayfair

Mayfair Insurance Company Ltd
Mayfair Centre, Ralph Bunche Road
Email: [email protected]
Website : www.mayfair.co.ke

Metropolitan Canon Life Insurance Company Ltd
&
Canon Assurance Ltd
Gateway Business Park, Block D,
Mombasa Road
Email: [email protected]
Website: https://metcannon.co.ke

monarch

The Monarch Insurance Company Ltd
664 Ole Nguruone Avenue, off James Gichuru Road, Lavington
Email: [email protected]
Website: www.monarchinsurance.co.ke

occ

Occidental Insurance Company Ltd
7th Floor, Crescent Business Centre -Cresent Road,
Parklands, Opposite M.P Shah Hospital
Email: [email protected]
Website: www.occidental-ins.com

pacis

PACIS Insurance Company Ltd
Centenary House, 2nd Floor
Off Ring Road, Westlands
Email: [email protected]
Website: www.paciskenya.com

mua

PMUA Kenya 
The Mirage, Tower 1, 7th Floor,
Chiromo Road
Email: [email protected]
Website:

pioneer

Pioneer Life Assurance Company Ltd
&
Pioneer Life Assurance Company Ltd
Pioneer House, Moi Avenue
Email: [email protected]
Website: www.pioneerassurance.co.ke

prudential

Prudential Assurance Company 
5thNgong Avenue Office Suites,5th 
Ngong Avenue off Ngong Road
Email: [email protected]
Website: www.prudentiallife.co.ke

resolution

Resolution Insurance
Parkfield Place, Muthangari Drive, 
off Waiyaki Way, Westlands
Email: [email protected]
Website: www.resolution.co.ke

saham

Saham Assurance Company 
Ecobank Towers, Muindi Mbingu
Email: [email protected]
Website www.sahamassurance.co.ke

Sanlam General Insurance (formerly Gateway Insurance)
&
Sanlam Life Insurance (Formerly Pan Africa Life Insurance)
Pan Africa Life House, Kenyatta Avenue
Email: [email protected]
Website: https://www.sanlam.com/kenya

takafu;

Takaful Insurance of Africa Ltd
CIC Plaza, Mara Road
Email: [email protected]
Website: www.takafulafrica.com

tausi

Tausi Assurance Company Ltd
Tausi Court, Tausi Road, Off Muthithi Rd
Email: [email protected]
Website: www.tausiassurance.com

trident

Trident Insurance Company Ltd
1st Floor, Capitol Hill Towers, Cathedral Road
Email: [email protected]
Website: www.trident.co.ke

old

UAP Old Mutual Life Insurance Company Ltd
Old Mutual Building, Upper Hill
&
UAP Life Assurance Company Ltd
&
UAP General Insurance Company Ltd
Bishop Gardens Towers, Bishops Road, off Ngong Road
Email: [email protected]
Website: www.uap-group.com

xplico

Xplico Insurance Company
Park Place, 2nd Avenue, 5th Floor, 
Parklands, Off Limuru Road
Email: [email protected]  
Website: https://www.xplicoinsurance.co.ke

Insurance news

Top Insurance Companies in Kenya {Latest Verified List}

Are you looking for the latest list of all reputatable and verified Insurance Companies in Kenya? Look no more. The Kenyan insurance market is dynamic, vibrant and regulated by the Insurance Regulatory Authority (IRA). Companies generally fall into two categories: General Insurance (e.g., motor, property, medical) and Life Assurance (e.g., life, pensions, investment-linked products).

Here is a list of some of the prominent insurance companies operating in Kenya, including some of the largest groups:

List of Major Insurance Groups and Companies

These companies often dominate the market share and offer a wide range of products:

  • Britam Holdings Plc (Offers both General and Life Insurance)

  • Jubilee Holdings (Now operates as Jubilee Allianz for General Insurance and Jubilee Life Insurance for Life Assurance)

  • CIC Insurance Group (Popular among cooperatives and SMEs, offering General, Life, and Health)

  • Old Mutual Holdings (Operates as Old Mutual General Insurance and Old Mutual Life Assurance, following its acquisition of UAP Holdings)

  • Sanlam Kenya Plc (Part of the Sanlam Group; includes Sanlam General Insurance and Sanlam Life Insurance)

  • ICEA LION Group (Offers both General and Life Assurance)

  • APA Insurance Limited (Part of the Apollo Investments Limited Group, offers General and Life Assurance)7

Other Notable Insurance Underwriters

  • AAR Insurance Kenya Ltd (Specializes heavily in Health Insurance)

  • Directline Assurance Company Ltd (Known for its specialization in Public Service Vehicle (PSV) insurance)

  • First Assurance Company Limited

  • GA Insurance Limited

  • The Heritage Insurance Company Ltd (Part of Liberty Kenya Holdings)

  • Kenindia Assurance Company Ltd

  • Madison Insurance Company Ltd

  • Pacis Insurance Company Ltd

  • Pioneer Assurance Company Limited

  • Takaful Insurance of Africa Limited (Operates under Islamic/Sharia-compliant principles)

Reinsurance Companies

The market also includes companies that insure the insurance companies (reinsurers):

  • Kenya Reinsurance Corporation (Kenya Re)

  • Continental Reinsurance Ltd

  • East Africa Reinsurance Company Ltd

Key Areas of Focus

When choosing an insurance company, you might want to look into their strengths in specific areas:

Area of Focus Notable Companies
Market Share (General) CIC General, Britam General, GA Insurance
Health/Medical AAR Insurance, Jubilee Health, Old Mutual (UAP)
Claims Settlement Companies like Heritage Insurance have been noted for strong claims payment ratios.
Innovation/Digital Britam, Jubilee, Sanlam

FULL LIST OF ALL THE ACCREDITED INSURANCE COMPANIES IN KENYA.

Here is the latest list of IRA licenced insurance Companies in Kenya:

REINSURANCE COMPANIES

Serial No. REINSURANCE COMPANIES AUTHORISED  CLASSES  OF BUSINESS
1 Continental  Reinsurance Limited 01,  02,  03,  04,  05,  06,  07,  08,  09,
10,  11,  12,  13,  14,
31,  32,  34,  35
2 East  Africa  Reinsurance Company  Limited 01,  02,  03,  04,  05,  06,  07,  08,  09,
10,  11,  12,  13,  14,
31,  34,  35
3 Ghana  Reinsurance Company  (Kenya)  Limited 01,  02,  03,  04,  05,  06,  07,  08,  09,
10,  11,  12,  13,  14
4 Kenya  Reinsurance Corporation  Limited 01,  02,  03,  04,  05,  06,  07,  08,  09,
10,  11,  12,  13,  14,
31,  34,  35
5 WAICA  Reinsurance  (Kenya) Limited 01,  02,  03,  04,  05,  06,  07,  08,  09,
10,  11,  12,  13,  14

GENERAL INSURANCE COMPANIES

Serial No. GENERAL INSURANCE COMPANIES AUTHORISED  CLASSES  OF BUSINESS
1. AAR  Insurance  (Kenya) Limited 02,  03,  04,  05,  06,  09,  10,  11,  12,14
2. Africa Merchant Assurance Company  Limited 02,  03,  04,  05,  06,  07,  08,  09,  10,
11,  14
3. NCBA  Insurance  Company Limited 01,  02,  03,  04,  05,  06,  07,  08,  09,
10,  11,  14
4. APA  Insurance  Limited 01,  02,  03,  04,  05,  06,  07,  08,  09,
10,  11,  12,  14
5. Britam  General  Insurance Company  (K)  Limited 01,  02,  03,  04,  05,  06,  07,  08,  09,
10,  11,  12,  14
6. Bupa  Global  Insurance Limited 12
7. Cannon  General Insurance  Company
Limited		 02,  03,  04,  05,  06,  07,  08,  09,  10,
11,  14
8. CIC  General  Insurance Limited 02,  03,  04,  05,  06,  07,  08,  09,  10,
11,  12,  14
9. Corporate Insurance Company  Limited 02,  03,  04,  05,  06,  07,  08,  09,  10,
11,  14
10. Directline Assurance Company  Limited 01,  02,  03,  04,  05,  06,  07,  08,  09,
10,  11,  14
11. Definite Assurance Company Limited 01,  02,  03,  04,  05,  06,  07,  08,  09,
10,  11,  12,  14
12. Equity General
Insurance (Kenya) Limited		 01,  02,  03,  04,  05,  06,  07,  08,  09,
10,  11,  12,  14
13. Equity Health Insurance (Kenya) Limited 12
14. Fidelity  Shield Insurance Company  Limited 01,  02,  03,  04,  05,  06,  07,  08,  09,
10,  11,  12,  14
15. First  Assurance  Company Limited 02,  03,  04,  05,  06,  07,  08,  09,  10,
11,  12,14
16. GA  Insurance  Limited 01,  02,  03,  04,  05,  06,  07,  08,  09,
10,  11,  12,  14
17. Geminia  Insurance Company  Limited 01,  02,  03,  04,  05,  06,  07,  08,  09,
10,  11,  14
18. ICEA  LION  General Insurance  Company Limited 01,  02,  03,  04,  05,  06,  07,  08,  09,
10,  11,  12,  14
19. Intra Africa  Assurance Company  Limited 02,  03,  04,  05,  06,  07,  08,  09,  10,
11,  14
20. Jubilee  Allianz  General Insurance  (K)  Limited 01,  02,  03,  04,  05,  06,  07,  08,  09,
10,  11,  12,  14
21. Jubilee  Health  Insurance Limited 12
22. Kenindia
Assurance Company  Limited		 01,  02,  03,  04,  05,  06,  07,  08,  09,
10,  11,  12,  14
23. Kenya  Orient  Insurance Limited 02,  03,  04,  05,  06,  07,  08,  09,  10,
11,  14
24. Madison  General Insurance  Kenya  Limited 02,  03,  04,  05,  06,  07,  08,  09,  10,
11,  12,  14
25. Mayfair Insurance Company  Limited 01,  02,  03,  04,  05,  06,  07,  08,  09,
10,  11,  14
26. MUA  Insurance  (Kenya) Limited 01,  02,  03,  04,  05,  06,  07,  08,  09,
10,  11,  12,  14
27. Occidental Insurance Company  Limited 01,  02,  03,  04,  05,  06,  07,  08,  09,
10,  11,  14
28. Old  Mutual  General Insurance  Kenya Limited 01,  02,  03,  04,  05,  06,  07,  08,  09,
10,  11,  12,  14
29. Pacis  Insurance  Company Limited 02,  03,  04,  05,  06,  07,  08,  09,  10,
11,  12,14
30. Pioneer  General Insurance  Limited 01,  02,  03,  04,  05,  06,  07,  08,  09,
10,  11,  12,  14
31. Sanlam  General Insurance  Company Limited 02,  03,  04,  05,  06,  07,  08,  09,  10,
11,  14
32. Star  Discover  Insurance Limited 01,  02,  03,  04,  05,  06,  07,  08,  09,
10,  11,  12,  14
33. Takaful  Insurance  of  Africa Limited 02,  03,  04,  05,  06,  07,  08,  09,  10,
11,  12,14
34. Tausi  Assurance Company  Limited 02,  03,  04,  05,  06,  07,  08,  09,  10,
11,  12,14
35. The  Heritage  Insurance Company  Limited 01,  02,  03,  04,  05,  06,  07,  08,  09,
10,  11,  12,  14
36. The  Kenyan  Alliance
Insurance Company Limited		 02,  03,  04,  05,  06,  07,  08,  09,  10,
11,  12,14
37. The Monarch Insurance Company  Limited 02,  03,  04,  05,  06,  07,  08,  09,  10,
11,  14
38. Trident  Insurance Company  Limited 01,  02,  03,  04,  05,  06,  07,  08,  09,
10,  11,  12,  14

LONG  TERM  (LIFE) INSURANCE COMPANIES

Serial No. LONG  TERM  (LIFE) INSURANCE COMPANIES AUTHORISED  CLASSES  OF BUSINESS
1. ABSA  Life  Assurance  Kenya Limited 31,  34,  35
2. APA  Life  Assurance  Limited 31,  32,  33a,  33b,  34,  35,  37a,  37b
3. Britam  Life  Assurance Company
(K) Limited		 31,  32,  33a,  33b,  34,  35,  36,  37a,
37b
4. Cannon  Life  Assurance
(K)  Limited		 31,34,35,37a,37b
5. Capex  Life  Assurance Company  Limited 31,32,33a,  33b,  34,35
6. CIC  Life  Assurance  Limited 31,32,33a,33b,34,35,37a,37b
7. Equity  Life  Assurance  (Kenya) Limited 31,  32,  33a,  33b,  34,  35,  36,  37a,
37b
8. GA  Life  Assurance  Limited 31,32,33a,33b,34,35
9. Geminia  Life  Insurance Company  Limited 31,  33a,  33b,  34,  35,  37a
10. ICEA  LION  Life  Assurance Company  Limited 31,32,33a,33b,34,35,37a,37b
11. Jubilee  Life  Insurance Limited 31,  32,  33a,  33b,  34,  35  ,37a
12. Kenindia  Assurance Company  Limited 31,  32,  33a,  33b,  34,  35,  37b
13. Kenya  Orient  Life  Assurance Limited 31,32,33a,33b,34,35
14. KUSCCO  Mutual  Assurance Limited 31,32,33a,33b,34,35
15. Liberty  Life  Assurance  Kenya Limited 31,32,33a,33b,34,35,37a,37b
16. Madison  Life  Assurance  Kenya Limited 31,  33a,  33b,  34,  35,  37a,37b
17. Old  Mutual  Life  Assurance Kenya  Limited 31,  32,  33a,  33b,  34,  35,  37a,  37b
18. Pioneer Assurance Company  Limited 31,32,33a,33b,34,35,37a,37b
19. Prudential  Life  Assurance Kenya  Limited 31,33a,33b,34,35,37a,37b
20. Sanlam  Life  Insurance Limited 31,32,33a,33b,34,35,36,37a,37b
21. Star  Discover  Life  Insurance Limited 31,32,33a,33b,34,35,37a,37b
22. The  Kenyan  Alliance Insurance  Company  Limited 31,  32,  33a,  33b,  34,  35,  37b
23. The Monarch Insurance Company  Limited 31,  32,  33a,  33b,  34,  35,  37a

MICRO  INSURANCE  COMPANIES

Serial No. MICRO  INSURANCE  COMPANIES AUTHORISED CLASS  OF
BUSINESS
1 APA  Microinsurance  Limited 13
2 Birdview  Micro  Insurance  Limited 13
3 Britam  Microinsurance  Company  (K)  Limited 13
4 CIC  Microinsurance  Limited 13
5 Star  Discover  Microinsurance  Limited 13
6 Turaco  Microinsurance  Limited 13

Guide on the Authorized Classes of Businesses

Guide on the Authorized Classes of Businesses
Guide on the Authorized Classes of Businesses

Top 20 best insurance companies in Kenya,
Top 10 best insurance companies in Kenya,
Best paying insurance companies in Kenya,
Top 10 car insurance companies in Kenya,
Top 20 worst insurance companies in Kenya,
Best health insurance companies in Kenya,
Best car insurance companies in Kenya,
Top 10 medical insurance companies in Kenya,
Insurance news

Top Insurance Companies in Kenya {Ultimate List}

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The top insurance companies in Kenya are often ranked based on factors like market share (total premiums written), financial stability, and reputation for claims settlement.

Based on recent reports and general market perception, the leading insurers in Kenya consistently include:

🏆 Market Leaders and Major Players in the Insurance Sector

Company Name Key Highlights and Offerings
Jubilee Insurance (Jubilee Holdings) A long-standing market leader, particularly strong in Health Insurance and Life Assurance. Has a significant regional presence.
Britam Holdings A diversified financial services group offering insurance, asset management, and investment solutions. A major player in Life, Health, and General Insurance; also noted for microinsurance innovations.
CIC Insurance Group One of the largest cooperative insurers in Africa. Offers a wide range of products including General, Life, Medical, and Agricultural Insurance.
APA Insurance Part of the Apollo Group, known as a leading provider of General Insurance (Motor, Travel, Property) and for efficient claims processing.
ICEA Lion Group A reputable and established group offering comprehensive Life and General Insurance solutions, often highlighted for customer care and innovation.
Old Mutual Kenya A well-established international financial services provider offering Life Assurance, Investment, and General Insurance products.
Sanlam Kenya Part of the large Sanlam Group in Africa, offering a broad range of insurance and investment products.

🩺 Specialists and Segment Leaders in the Insurance Sector

  • AAR Insurance: Often regarded as a leader and specialist in Health Insurance, providing comprehensive medical coverage for individuals, families, and corporates.

  • Directline Assurance: A specialist in the Motor Insurance market, particularly for Public Service Vehicles (PSVs).

  • Heritage Insurance: Highly regarded for its efficiency in claims settlement and its offerings in general insurance.

It’s important to note:

  • Segments: The ranking can vary depending on the segment (e.g., general insurance vs. life insurance). For example, a company might lead in general insurance gross premiums but rank lower in life assurance.

  • Recent Performance: Market share rankings can change slightly year-on-year based on official reports from the Insurance Regulatory Authority (IRA).

Metrics Used to Determine Top Insurance Performers

  • Market Share (IRA Annual Reports)
  • Claims Settlement Efficiency (AKI Claims Statistics)
  • Public Trust & NSE Performance (NSE Annual Results & Investor Reports)
  • Technology Innovation (AKI Innovation Awards & Company Releases)
  • Service Delivery & Customer Sentiment (Public Ratings & IRA Complaints Index)

1. Leading General Insurance Providers by Market Share

  • Britam General Insurance – 8.2%
  • CIC General Insurance – 8.4%
  • GA Insurance – 8.1%
  • Sanlam General Insurance – 6.5% (est.)
  • Heritage Insurance – 4.9%

IRA Report Summary

2. Pan-African Presence and Growth Leaders

  • Jubilee Insurance: Strong regional footprint in Kenya, Uganda, Tanzania, Burundi, and Mauritius.
  • Britam Holdings: Operations in 7 African countries including South Sudan and Rwanda.
  • Sanlam Kenya: Backed by Sanlam Group (South Africa) with operations in 33+ countries across Africa.

3. Top Performers on the Nairobi Securities Exchange (NSE)

  • Jubilee Holdings (JUB): Top-performing insurer on the NSE with consistent dividend payout and regional returns.
  • Britam Holdings (BRIT): Strong investor interest and 97.5% growth in core earnings per share (EPS) in FY.
  • CIC Insurance Group (CIC): Popular among retail investors for its cooperative backing.
  • Sanlam Kenya (SLAM): Consistent dividend policy and recovery in share value in Q1–2025.

4. Claims Settlement Track Record

Top companies known for fast and fair claims resolution:

  • Jubilee Insurance – High scores for medical and group health claims.
  • Britam – Strong reputation in digital claims management.
  • Sanlam Kenya – Noted for claims turnaround improvements in Q4 2023.

5. Innovation and Product Excellence

  • Britam: Bima Ya Mwananchi, micro-insurance for underserved groups.
  • Sanlam Kenya: Advanced risk profiling and embedded insurance solutions.
  • Jubilee Health: Wellness-linked insurance and telemedicine integration.
  • CIC Insurance: Agricultural and climate-smart microinsurance.
  • Absa Life Kenya: Strong in digital life insurance and bank assurance integration.

  •  Leading General Insurance Providers by Market Share

When it comes to innovation and digital transformation, companies like:

  • Absa Life – Seamlessly blends financial services and life insurance.
  • Cannon Assurance – Advanced use of AI and digital platforms.
  • Intra Africa – Focus on insurtech-driven inclusivity.

  • Jubilee Health’s Telemedicine & Wellness Model

  • CIC Microinsurance (Agricultural and Inclusive Innovation):

  • Britam “Bima Ya Mwananchi” Product Launch

These players are reshaping the customer experience and widening insurance access to underserved markets.

Trusted Partnerships That Strengthen Your Coverage

At Dawit Insurance Agency, we believe trust is built on solid partnerships. That’s why we’ve built strong working relationships with some of the most reputable insurance companies in Kenya and the region, ensuring that our clients always receive reliable, competitive, and tailored solutions.

We are proud to work closely with:

Sanlam, Britam, CIC, Intra Africa, AAR & General, ICEA Lion, APA, Jubilee, Jubilee Allianz, Cannon, Heritage, Absa Life, and Madison.

These partnerships allow us to offer you a broad range of policies—from personal and health insurance to business and specialized covers—while also giving you the flexibility of choice, excellent service, and responsive claims handling.

Insurance news

AAR Insurance Company’s Contacts, Services, Offices, Branches & Insurance Packages

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See AAR Insurance’s Contacts, Services, Offices, Branches & Insurance Packages: AAR Insurance is a prominent Kenyan medical and general insurance company that is part of AAR Holdings Limited, which operates across East Africa.

It originated in 1984 as an emergency air and road ambulance service called Africa Air Rescue (AAR) before diversifying into comprehensive medical insurance and eventually becoming a licensed insurance provider.

🏥 Key Services Offered by AAR Insurance Company

AAR Insurance primarily focuses on medical insurance but also offers a range of general insurance products:

  • Medical Insurance:

    • Individual and Family Medical Plans (Inpatient and Outpatient benefits).

    • ShwAARi Medical Cover: An affordable, flexible, single-limit cover.

    • AAR Unlimicare: A comprehensive cover with no overall limit restrictions.

    • Seniors CAARE Medical Cover for older individuals.

    • Corporate Medical Solutions (Group medical plans for businesses).

  • General Insurance:

    • Personal Accident Insurance

    • Travel Insurance (Includes medical emergencies, lost luggage, and trip cancellations).

    • Work Injury Benefits Act (WIBA) Cover

    • School Insurance (Covering infrastructure and students).

    • Motor Insurance and Homeowner Insurance.

👩‍⚕️ AAR Healthcare Network

AAR Insurance customers benefit from a wide network of healthcare providers, including its affiliates:

  • AAR Hospital: A private hospital located in Nairobi.

  • AAR Healthcare Clinics: Outpatient centres providing various clinical services across Kenya (e.g., Nairobi, Mombasa, Eldoret, Nakuru).

  • Partner Medical Institutions: An extensive network of top-tier hospitals and clinics across the country.

📍 AAR Insurance Company’s Head Office and Branches in Kenya

AAR Insurance’s Head Office is located in Nairobi. They also have a number of branches across Kenya, including:

  • Head Office: Real Towers, Ground Floor, Hospital Road, Upper Hill, Nairobi.

  • Branches in major towns: Eldoret, Nyeri, Mombasa, Malindi, Kakamega, Thika, Naivasha, Kisumu, and Nakuru.

🌟 AAR Insurance Overview & History

AAR Insurance is a licensed financial services provider and insurance company with a significant presence across East Africa, particularly known for its health insurance solutions.

  • Founding: AAR started in 1984 in Kenya, initially focusing on medical evacuations (both road and air) for accident casualties.

  • Evolution: The mission evolved from emergency response to providing comprehensive, community-centered healthcare and later expanding into a full-fledged insurance company offering a wide range of products.

  • Structure: AAR Insurance Kenya Limited is a member of the Association of Kenyan Insurers and operates as a standalone insurance entity.

  • Vision/Mission: Their mission is to reinvent insurance through innovative, affordable, and sustainable solutions, with the vision of “Safeguarding the Health and Wealth of All.”

🏥 AAR Insurance Packages & Services

AAR Insurance offers a diverse portfolio of insurance products for individuals, families, and businesses. Their primary focus remains on medical insurance, but they also provide various general insurance covers.

Category Key Services/Products Details & Features
Medical Insurance Individual and Family Plans: (e.g., ShwAARi Medical Cover, AAR Unlimicare) Comprehensive inpatient and outpatient benefits, maternity cover, dental and optical options, cover for chronic and pre-existing conditions (subject to waiting periods/limits). They also offer SENIORS CAARE MEDICAL COVER for older individuals.
Business/Group Plans: (e.g., Business Enterprise Medical Plan) Health plans tailored for company employees.
General Insurance Motor Insurance Cover Comprehensive and third-party motor vehicle insurance.
Travel Insurance Covers emergency medical expenses, compensation for lost personal property/luggage/documents, trip cancellations, and personal liability.
Personal Accident (e.g., AAR Insurance Protect) Monetary compensation in case of bodily injuries, disability, or death resulting from an accident. Student Personal Accident cover is also available.
Property Insurance Homeowner, Landlord Insurance.
Commercial/Business Professional Indemnity Cover, WIBA Cover (Work Injury Benefits Act), Marine Insurance (for cargo).

Self-Service Tools: AAR Insurance provides digital tools like the AAR Insurance App, M-TIBA integration, and online portals for generating/validating travel and embassy letters.

📞 AAR Insurance Contacts (Kenya)

Contact Type Details
General/Customer Service Mobile (Safaricom): +254 703 063 000
Mobile (Airtel): +254 730 633 000
Landline (Nairobi): +254 202 895 000
Emergency Services +254 725 225 225 or +254 734 225 225 (AAR Rescue Services)
Email General Inquiries: [email protected]
Branch Support/Complaints: [email protected]
Head Office Location: Real Towers, Ground Floor, Hospital Road, Upperhill, Nairobi
P.O. Box: 41766 – 00100, Nairobi
Working Hours Monday to Friday, 9:00 am to 5:00 pm

📍 AAR Insurance Offices & Branches

AAR Insurance maintains a network of offices and branches across key towns in Kenya.

Location Address / Nearest Landmark
Nairobi (Head Office) Real Towers, Ground Floor, Hospital Road, Upperhill
Mombasa Branch Dedan Kimathi Avenue / Harbour House
Kisumu Branch Al Imran Plaza, 2nd Floor, Oginga Odinga Street
Eldoret Branch Zion Mall, 2nd Floor, Wing D
Nakuru Branch Giddo Plaza, Ground Floor, George Morara Rd.
Nyeri Branch 2nd Floor Rupshi Chambers, Kimathi Way
Thika Branch Maisha Height 1st Floor, Kenyatta Rd
Naivasha Branch Eagle Centre, 1st Floor, Mbaria Kanio

AAR also has a widespread network of clinics/outpatient centres under AAR Healthcare in many locations across the country, which are the primary service points for their medical insurance clients.

AAR Insurance Company’s Product List

2. Personal Accident

3. Monetary compansation for sustained bodily injuries.

  • AAR Insurance Protect
  • Enhanced medical cover. Low priced. Protects against accidents.

SENIORS CAARE MEDICAL COVER

Coverage to our beloved senior members of the society from the ages of 65 and 85

Homeowner

Comprehensive & affordable solutions tailormade for homeowners.

AAR Insurance Company’s Contacts

Head Office

Real Towers, Ground Floor
Hospital Road, Upperhill
P.O. Box 41766 – 00100
Nairobi
Operating Hours:
Monday to Friday

9:00am to 5:00pm

Contacts:
  • +254 703 063 000
  • +254 730 633 000
  • +254 202 895 000

Support Time

AAR Medical Insurance Service Providers

64 Dental Suites LTD

Zion Mall,
wing D. 3rd Floor, Eldoret Uasin Gishu
0741 693777

AAR Healthcare,
Mombasa City Centre

Pereira Building,
Machakos street, off Moi Av, Mombasa Mombasa
0731 191067

AAR Healthcare,
Buruburu

Mesora Centre,
1st Floor, Buruburu Nairobi
0780 888234

AAR Healthcare,
Donholm

Donholm Centre Bldg,
Outering Road, next to Total Petrol Station formerly caltex Nairobi
0733 881420 or 0770 256646

AAR Healthcare,
Eldoret

Rupa Mall,
Eldoret Uasin Gishu
0732 979785

AAR Healthcare,
Embakasi

Wanandege Sacco Bldg,
Nyayo Estate, Ground Flr Nairobi
0733 888259

AAR Healthcare,
Greenhouse

Green House Building,
1st Flr, Adams Arcade Nairobi
0706 595786 or 0731 191077

AAR Healthcare,
Karen , Langata

Great Jubilee Centre,
ground floor, off Langata Rd. Nairobi
020 2631852 or 0735 963412 or 0729 876092

AAR Healthcare,
Kisumu

Al Imran Plaza,
1st Floor, Oginga Odinga Road, Kisumu Kisumu
057-2024892 or 0776 843594

AAR Healthcare,
Kitengela Town

Safari House,
Ground Floor, Kitengela Kajiado
0737 952552 or 0776 208999

AAR Healthcare,
Lavington

Westfield Mall,
1st Floor, Gitanga Road, near Othaya Road Nairobi
0780 200456

AAR Healthcare,
Mountain Mall

Mountain Mall,
1st Flr, Thika Super Highway Nairobi
0733 888258

AAR Healthcare,
Nairobi City Centre

ICEA Building,
6th Floor, Kenyatta Avenue Nairobi
020 2215762 or 0731 191070

AAR Healthcare,
Nakuru

Giddo Plaza Building,
ground floor, George Morara Road Nakuru
0771 678227 or 0731-191068

AAR Healthcare,
Ngong Town

Milele Mall,
1st Floor, Ngong Town Kajiado
0737 333566 or 0791 237153 or 0775 604899

AAR Healthcare,
Roysambu

Royal Plaza,
off Kamiti Road, 1st floor Nairobi
0731 191076

AAR Healthcare,
South C

Ole Shapara Avenue,
opp CID Training School, South C Nairobi
0780 888150

AAR Healthcare,
Syokimau

Gateway Mall,
1st Floor, Syokimau Nairobi
0784 700149

AAR Healthcare,
Thika

Zuri Centre,
3rd Floor, left wing, Kenyatta Avenue, Thika Kiambu
0734 657172 or 0770 123633

AAR Healthcare,
Williamson House

Williamson House,
2nd Floor, 4th Ngong Avenue Nairobi
0709 701000 or 0730 655000 or 0773 538272

AAR Hospital

Kiambu Road Nairobi
0111176000 or 0111176007

Acacia Medical Centre ,
Ga House Branch

General Accident House,
1st Flr, Ralph Bunche Road Nairobi
0722 509910

Acacia Medical Centre ,
Kisumu Branch

Nakumatt Mega City Mall,
Ground Flr, Nairobi , Kisumu Road Kisumu
0729 666675

Ace Dental Care

Mirage Towers,
M2 Floor, Rm 17, Chiromo Road Nairobi
020 2234000 or 0720 207800

Ack Mt. Kenya Hospital

Kerugoya Town Kirinyaga
0722-897833

Advance Care Dental Center LTD

Tom Mboya Estate,
behind Elite School, opp Path Experts, Kisumu Kisumu
0709 746443

Advent Med And Dent Care Centre

Polo Centre,
First Floor, Kenyatta Avenue, Nakuru Nakuru
0707 745005 or 0713 885412

Africa Inuka Hospital LTD ,
Kisumu

Mahavir Mall,
along Odera street, Kisumu Kisumu
0716 173299

Africa Inuka Hospital LTD ,
Madeya

Madeya Trading centre Ksm,
Busia Rd Siaya
0700 135127

Africa Inuka Hospital LTD ,
Ugunja

Ugunja Siaya
0737 129956

Africana Mall Healthcare LTD

Hospital Road Lodwar Turkana
0702 913030

Afya Bora Medical Clinic

Lodwar,
Kobil Road Turkana
020-2866119-0720-352090-or 0710-247332

Afya International Hospital Malindi ( Kym Afya )

Suli suli road,
muthangani area, Malindi Kilifi
0708 122144

Aga Khan Health Services ,
Bomet Medical Centre

Bomet,
new Mahant Swami plaza Bomet
0733 237566 or 0722 203622

Aga Khan Health Services ,
Bungoma Medical Centre

Moi Avenue,
Bungoma Bungoma
055-2030857 or 020-2532791

Aga Khan Health Services ,
Busia Medical Centre

Opposite Police HQ,
Next to KCB bank, Busia Busia
057-2024374 or 057-2024312 or 0737 277672

Aga Khan Health Services ,
Eldoret Medical Centre

Grd Flr,
Zion Mall, Nxt to Catholic Cathedral, Ug /Nrb highway Uasin Gishu
053 2030060 or 0711 092562

Aga Khan Health Services ,
Homabay Medical Centre

Cold spring Building,
next to NHIF , Kisumu, Homabay Road Homa bay
0733 637800 or 020 2334565 or 059 2121005

Aga Khan Health Services ,
Kakamega Medical Centre

Mega Mall Kakamega Webuye Road Kakamega
056-2031789 or 020-2125097 or 0722 567996

Aga Khan Health Services ,
Kericho Medical Centre

Ushma Plaza,
Ground Floor, Kericho, Nakuru Highway, opposite tea hoel Kericho
052-2020623

Aga Khan Health Services ,
Kibuye Medical Centre

Opposite Kibuye Market Kisumu
020-2334565 or 057 2532793

Aga Khan Health Services ,
Kisii Medical Centre

Nyamacharara Plaza,
Kisii Migori Highway Kisii
058-2031479 or 0734 341425

Aga Khan Health Services ,
Kitale Medical Centre

Mega Mall,
Makasembo rd, Kitale Trans-Nzoia
054-2030881

Aga Khan Health Services ,
Migori Medical Centre

Emmerald Plaza,
ground flr, Migori, Rongo Rd Migori
0722 203622 or 0733 637800

Aga Khan Health Services ,
West End Medical Centre Kisumu

West End Mall,
Acheing Oneko Rd, Kisumu Kisumu
057 2020005

AIC Cure International Hospital Kenya

Kijabe Road,
Kijabe Kiambu
0733- 770653

AIC Cure International Hospital Kenya ,
Nairobi Clinic

Westpoint Building,
4th Floor, Westlands, Nairobi Nairobi
0733 790421

AIC Health Centre

Lokichogio Turkana
0735-282265-0718-785379

AIC Kijabe Hospital

Kijabe Road,
Kijabe, Nairobi , Nakuru Highway Kiambu
020-3246500 or 0712 504056 or 0789 721756 or 0787 145122

AIC Kijabe Hospital ,
Nairobi Clinic

Azure Towers,
Lantana Road, Westlands Nairobi
0703 133233

All Smiles Dental Practice ( Dr. Nisha Sapra )

UHMC,
3rd Floor, Suite 3A Nairobi
020-2722878 or 0722-513561 or 0733- 513561

Alliance Medical Centre Ltd,
Garissa

Garissa town adjacent to Posta Garissa
020 2336964 or 0712 400456 or 0736 477249 or 0787727152 or 0788562515

Alliance Medical Centre Ltd,
Mombasa

Bondeni,
Abdel Nasser Rd, Kilifi corner, Msa Mombasa
0714 310988 or 0741255530

Alliance Medical Centre Ltd,
Nairobi

Madina Building,
opposite Eastleigh Mall (formerly KBS garage) and Garissa Nairobi
020 2336964 or 0787727152 or 0788562515

Almisbah Medical Centre

Elwak. Mandera South Mandera
0723 325671

Ambience Hospital Limited

Eldoret town ,
Nandi raod, Kapsoya next to Big 5 Hotel Uasin Gishu
0794 608444

Amm Acumen Healthcare LTD

Ngacha Building,
1st Flr, Njuri Ncheke Road, Meru Meru
0740 810255

Anchor Relationship Network

Ridgeways Estate,
Kigwa Lane, House 2, Nairobi & Windsor House, 1st Floor, University Way Nairobi Nairobi
0707 633433

Ankh Women’s Clinic,
Nairobi

NHIF Building 2nd Flr Nairobi
020 – 2731036

Ankh Women’s Clinic,
Naivasha

Jostas Building,
rooms B6 & B7, Naivasha Nakuru
0721 494043

Antaliya Hospital Limited

Mzuri rd South C Area opp Garissa High School Garissa
0799 001002 or 0799 001003

Apex Physiotherapy Services ,
General Accident Building

General Accident House,
Ralph Bunche Road Nairobi
0725 531065

Apex Physiotherapy Services ,
Landmark Plaza

Landmark Plaza,
4th Flr, Argwings Kodhek Road Nairobi
020 2628688 or 0711 206292

Apex Specialist & Diagnostic Center

Maisha Heights Building,
First Floor, Kenyatta Avenue Kiambu
0758 175487 or 0722 345948

Apollo Hospitals,
Ahmedabad, Chennai

India India

Appex Hospital Malaba

Malaba Town,
opp. KCB Bank Busia
0722 402066

Aqua Dental Clinic Limited

Pension Towers,
3rd Floor, Loita Street Nairobi
020 7859909 or 0722 452311

Aquadent Company Limited ( Dr. Paul Ongeti )

Saagas Business Centre,
2nd Flr, Room 201, 204. Nandi Road Uasin Gishu
0708 315325 or 0726 643252

Arise Hospital Limited

Magory Arcade,
Ground & 1st Flr, Eastern Bypass Kiambu
0798 649970 or 020 2649971

Arrow Dental ( Dr. Chege Mbiu )

Yala Towers,
8th Floor, Biashara street, Nairobi Nairobi
0740 579064 or 0735 210570

Ask A Doc LTD

Wu Yi Plaza,
Block E, 5th Floor, Suite E16. Galana Road Nairobi
0741 580800

Astradental Services Limted ( Dr. Lucy Mutara )

Mpaka Plaza 1st Floor,
101A, Mpaka Road Westlands Nairobi
0703 500819 or 0727 591579 or 0732 561558 or 020 2088043

Athi River Medical Services

Athi River town Machakos
0712 375111 or 0202477715

Athiriver Shalom Community Hospital ,
Athiriver

Junction of Mombasa Rd and Namanga Rd Machakos
0723 951761 or 0798 664172

Avenue Healthcare

1st Parklands Avenue,
Nairobi Nairobi
020 3742907 or 3744554 or 27445570 or 0711 060000

Avenue Healthcare,
Changamwe

Magongo Rd,
Mombasa Mombasa
0711 060 700

Avenue Healthcare,
Embakasi

Kenol Station,
Ground Floor, North Airport Road, Embakasi Nairobi
020 2573243 or 0718 010533

Avenue Healthcare,
Enterprise

P.J. Place,
Ground Floor, Enterprise road, Industrial Area Nairobi
020 651301 or 0722 892657

Avenue Healthcare,
Greenspan

Green Span Mall,
Ground Flr, Green Span Estate, Savannah Road Nairobi
0711 060 240

Avenue Healthcare,
Kisumu

Opp Kibuye Market,
Kisumu Kisumu
0718 860200

Avenue Healthcare,
Kisumu

Al Imran Plaza,
1st Floor, Oginga Odinga Street, Kisumu Kisumu
057 2024670 or 0725 589246

Avenue Healthcare,
Mombasa

AgaKhan Hospital Mombasa,
Dr’s Plaza, 1st Floor, Nyerere Road Mombasa
0733 900520

Avenue Healthcare,
Nakuru

Polo Centre,
First Floor, Kenyatta Avenue, Nakuru Nakuru
051 2214622

Avenue Healthcare,
Nanyuki

Cedar Mall,
1st Floor, Nanyuki Laikipia
0711 060650/651

Avenue Healthcare,
Ngong Road

The Green House,
First Floor, Ngong Road Nairobi
020 3862540 or 0728 046444

Avenue Healthcare,
Ongata Rongai

Maasai Mall,
Second Floor, Uchumu Building Kajiado
0702 154325

Avenue Healthcare,
South C

Kenol Kobil Complex,
First Floor, South C Nairobi
0711 060 270 or 0732 175 270

Avenue Hospital,
Kisumu

Jpmo Kenyatta Highway,
Opp Kibuye market, Kisumu Kisumu
0718 860200 or 0730 016158

Bama Hospital Llp

Siaya Town Siaya
0713 989294 or 057-2501349

Barnet Memorial Medical Centre

Stadium Road,
Kabarnet Baringo
0770 317123 or 0719 209654 or 020-2315733

Batian Medical Centre

Batian Plaza,
Kitengela Town Kajiado
0722 753651

Baus Optical Co.ltd,
Eldoret

Oginga Odinga street,
next to Eldo Supermarket, Eldoret Uasin Gishu
0736 965500

Baus Optical Co.ltd,
Kisii

Kisumu road,
Ouru Complex Building Kisii
0735 647929

Baus Optical Co.ltd,
Kisumu

Oginga Odinga Street,
Mega Plaza Building, Kisumu Kisumu
0725 007574

Baus Optical Co.ltd,
Kitale

Mega Center Mall,
Kitale Trans Nzoia
0797 389367

Baus Optical Co.ltd,
Kitengela

Kitengela Mall,
Ground Floor, adjacent to Naivas Supermarket Kajiado
0797 298515

Baus Optical Co.ltd,
Machakos

Emri Plaza,
at the main stage, Machakos Machakos
0789 459653

Baus Optical Co.ltd,
Meru

Edfri Building,
Grnd flr next to Uchumi Supermarket Meru
0788 230583

Baus Optical Co.ltd,
Mombasa

Near Marikiti,
Jomo Kenyatta Avenue next to Barclays Bank, Mombasa Mombasa
0781 595374

Baus Optical Co.ltd,
Nairobi ( 11 Branches )

Hilton Hotel,
Mama Ngina Street, Nairobi Nairobi
020-2240688 or 0733 489940
Insurance news

Insurance Regulatory Authority, IRA {Ultimate Guide}

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The Insurance Regulatory Authority (IRA) of Kenya is the sole government agency responsible for regulating, supervising, and developing the insurance industry in the Republic of Kenya.

📝 Key Roles and Functions of IRA

The IRA was established in 2007 under the Insurance Act (Cap. 487) and operates under The National Treasury and Economic Planning. Its main roles include:

  • Regulation and Supervision: Ensuring all insurance-related entities (insurers, reinsurers, brokers, agents, etc.) comply with the Insurance Act and other relevant laws.

  • Consumer Protection: Safeguarding the interests of policyholders and beneficiaries by:

    • Handling complaints and investigating disputes between policyholders and insurers.

    • Monitoring market conduct to prevent unfair practices like unjustified claim denials.

    • Promoting public awareness and education on insurance matters.

  • Financial Stability: Monitoring the solvency and financial soundness of insurance companies to ensure they maintain adequate capital and reserves to pay claims.

  • Industry Development: Promoting the growth, innovation, and expansion of the insurance sector to enhance financial inclusion and contribute to the national economy.

  • Licensing: Issuing licenses to all entities and professionals operating in the insurance market.

📞 IRA Contact Information

If you need to contact the IRA for inquiries, feedback, or to lodge a complaint, here are the details:

Category Details
Official Website www.ira.go.ke
Physical Address Zep-Re Place, Longonot Road, Upper Hill, Nairobi, Kenya
Phone Numbers +254 719 047 000 / +254 020-4996000
Toll-Free Line 0800 724 499
Email for Complaints [email protected]

Functions Performed by IRA

The functions of the Authority are outlined in section 3A of the Insurance Act, CAP 487 as follows:

  1. Ensure the effective administration, supervision, regulation and control of insurance and reinsurance business in Kenya
  2. Formulate and enforce standards for the conduct of insurance and reinsurance business in Kenya
  3. License all persons involved in or connected with insurance business, including insurance and reinsurance companies, insurance and reinsurance intermediaries, loss adjusters and assessors, risk surveyors and valuers
  4. Advise the Government on the national policy to be followed in order to ensure adequate insurance protection and security for national assets and national properties
  5. Issue supervisory guidelines and prudential standards from time to time, for the better administration of the insurance business of persons licensed under the Insurance Act
  6. Conduct inquiries and share information with other regulatory authorities and to carry out any other related activities in furtherance of its supervisory role
  7. Educate the public regularly on the right to independently select an underwriter or broker from a list of underwriters or brokers licensed by the Authority
  8. Regulate the business of bancassurance offered by banks in the same manner as the ordinary insurance business, including capital requirements and disclosures
  9. Undertake such other functions as may be conferred by the Insurance Act or any other written law

IRA Vision:

An effective regulator of an inclusive and globally competitive insurance industry

IRA Mission:

To promote development and stability of the insurance industry, and to protect insurance beneficiaries through effective regulation and supervision

IRA Core Values:

  • Integrity – We will serve our customers in an impartial, effective and professional way with the highest ethical standards.
  • Innovative – We believe in continuous improvements in the conduct of our business.
  • Accountable – We exercise prudence in use of public resources entrusted to IRA.
  • Customer Focus – We are committed to achieving the highest levels of customer satisfaction.
  • Teamwork – We work effectively with others across functional lines to accomplish objectives.

IRA Contacts

Insurance Regulatory Authority (IRA)
P.O BOX 43505 – 00100 NAIROBI
Zep- Re Place Longonot Road – Upper Hill, Nairobi
Tel:(254)- 020-4996000,
Mobile:(254)- 0719047000
E-mail:     [email protected]
Complain: [email protected]
Website:  http://www.ira.go.ke

Twitter: @ira_Kenya

Facebook: Insurance Regulatory Authority – Kenya

Toll Free Line: 0800724499

>>To report corruption related incidence,send an e-mail to [email protected]

>> To file a complaint, write to [email protected].
>> For general inquiries, write to [email protected].

Insurance news

Licensed Risk managers in Kenya {IRA Ultimate List}

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Licensed Risk managers in Kenya {IRA Verified List}: Risk managers in Kenya are crucial across various sectors, especially finance, and their roles are multifaceted.

Here is a summary of key information regarding risk managers in Kenya, covering their typical duties, required qualifications, and salary expectations.

Risk Managers in Kenya: Overview

Risk management professionals in Kenya are primarily responsible for implementing the Enterprise Risk Management (ERM) framework to identify, assess, mitigate, and monitor risks that could affect an organization’s operations, finances, or reputation.

📝 Key Responsibilities of Risk managers

Typical duties for a Risk Manager or Risk and Compliance Officer often include:

  • Risk Identification & Assessment: Coordinating strategic and operational risk assessments across the company.

  • Policy Development: Reviewing and updating risk management and compliance policies to ensure adherence to local regulatory requirements (like those from the Central Bank of Kenya – CBK).

  • Risk Monitoring and Reporting: Preparing comprehensive risk reports (including risk registers, Key Risk Indicators (KRIs), and risk appetite reports) for senior management and the Board.

  • Compliance: Ensuring full compliance with regulatory requirements, including Anti-Money Laundering (AML), Anti-Bribery, and data privacy laws.

  • Financial Risk Analysis: Analyzing specific risks like credit risk, market risk (interest and exchange rates), liquidity risk, and conducting stress tests.

  • Culture & Training: Planning and coordinating risk management awareness and training initiatives to foster a strong risk-aware culture.

  • Business Continuity: Evaluating and testing business continuity and crisis management plans.

🎓 Qualifications and Skills of Risk managers

To be a successful risk professional in Kenya, you generally need:

  • Academic Background: A Bachelor’s Degree in a relevant field such as Commerce, Finance, Business Administration, or Actuarial Science.

  • Professional Certification: Membership or certification from bodies like the Institute of Internal Auditors of Kenya (IIA-Kenya) or the Institute of Certified Public Accountants of Kenya (ICPAK) is often required or a strong advantage. Other beneficial certifications include CISA (Certified Information Systems Auditor) or CIA (Certified Internal Auditor).

  • Experience: Most management roles require a minimum of 3-5 years of experience in risk management, especially in banking operations, prudential guidelines, or financial services.

  • Key Skills: Strong analytical skills, financial planning knowledge, report writing, presentation skills, and a deep understanding of relevant regulations (e.g., Basel guidelines, COSO, ISO 31000).

💰 Salary Expectations

Salaries for Risk Managers in Kenya can vary widely based on experience, company size, and specific role (e.g., Analyst vs.  Head of Department). The most common pay structure is annual:

Position Average Annual Base Salary (KES) Approximate Range (KES)
Risk Manager (Average) KES 4,446,000 KES 2,000,000 – KES 5,000,000+
Risk Analyst (Mid-Level) KES 1,200,000 KES 820,000 – KES 2,000,000
Compliance Officer KES 855,926 KES 315,000 – KES 2,000,000

Note: The monthly gross salary range for a Risk Manager can be between KES 56,719 (entry-level/junior) and over KES 355,805 (senior/executive).

🏢 Top Risk Management Consulting Firms in Kenya

While many risk managers work internally for large banks and corporations, several consulting firms in Kenya specialize in providing advisory and audit services:

  • Sentinel Africa Risk Management Consulting: Known for comprehensive, tailored solutions in ERM, crisis management, and security risk assessments.

  • KPMG East Africa: Offers financial risk management, internal audit risk, and compliance services.

  • RSM Kenya: Provides risk advisory services, including internal audits, IT audits, and forensic accounting.

  • Riskhouse International Limited:15 Specializes in forensic investigation, risk management, and compliance services.

Licensed Risk managers in Kenya {IRA Verified List}

 

Insurance news

Heritage Insurance Company Limited’s Contacts, Services, Offices, Branches & Insurance Packages

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See Heritage Insurance Kenya’s details, offices, contacts, services, insurance packages and history: Heritage Insurance Company Limited (often referred to as Heritage Insurance Kenya) is a prominent short-term insurance provider in East Africa.

Here is a summary of key information about the company:

🌍 Heritage Insurance Company’s Company Overview

  • Type of Business: Short-term (General) Insurance, including health/medical cover.

  • Parent Company: Heritage Insurance is a subsidiary of Liberty Kenya Holdings PLC, which is listed on the Nairobi Securities Exchange (NSE).

  • Ultimate Parent: The ultimate parent is the Standard Bank Group, through South Africa-based Liberty Holdings Limited.

  • Focus: Heritage Insurance is known for providing a wide range of non-life insurance products.

🛡️ Heritage Insurance Company’s Products and Services

Heritage Insurance offers a variety of policies for both individuals and businesses. These typically include:

Category Example Products
Personal Motor Insurance (e.g., Auto Correct), Domestic Package (Home), Travel Insurance, Personal Accident Cover, Sportsman’s Policy.
Health Medical Cover (e.g., HeriAfya Medical Cover, Heritage Blue Health Cover) for individuals, families, and corporates.
Business/Corporate Commercial Motor Insurance, Fire and Fire Consequential Loss, Contractors All Risk, Goods in Transit, Professional Indemnity, Public Liability, Marine Insurance.
Employee Cover Group Personal Accident, Group Life Cover, WIBA (Workers Injury Insurance), and Corporate Medical Cover.

📞 Heritage Insurance Company’s Contact Information (Kenya)

  • General Queries (24 hours): +254 711 076 333

  • Business Hours (Heritage): +254 711 039 000

  • General Email: [email protected]

  • Head Office Address: Liberty House, Processional Way, P. O. Box 30390 – 00100, Nairobi, Kenya.

They also have a physical presence in other major towns across Kenya, including Mombasa, Eldoret, Kisumu, and Nakuru.

🏛️ Heritage Insurance Company’s Profile & History

Detail Description
Current Affiliation Heritage Insurance is a subsidiary of Liberty Kenya Holdings Plc, which is 74% owned by the Pan-African financial services group Liberty Holdings Limited (listed on the JSE). Liberty Holdings is majority-owned by the Standard Bank Group, the largest African banking group by assets.
Focus Non-life (Short-term) insurance, with a strong emphasis on motor and medical insurance.
Historical Milestones The Heritage Insurance Company Ltd was formed in 1976 following a merger between Norwich Union Fire and Legal & General. It has undergone various changes and mergers over the years, leading to its current structure under Liberty Kenya Holdings Plc.
Commitment Known for its history of prompt claims payment, it has received high ratings (e.g., AA rating by Global Rating Company (GRC) for claims paying ability). The company is focused on innovation, including using technology like telematics for products such as the Auto Correct Motor Insurance policy.

📞 Heritage Insurance Company’s Main Offices and Contacts

Heritage Insurance’s head office is shared with Liberty Life Assurance Kenya. They also have branch networks across the country.

Category Details
Head Office Address Liberty House, Processional Way, P. O. Box 30364 – 00100 Nairobi, Kenya.
General Queries Phone +254 711 039 000 (Business Hours) or +254 20 278 3000 (Business Hours)
24-Hour Medical Emergency +254 711 076 333 (Medical Call Centre)
General Email [email protected]
Sample Branch Locations Nairobi (Head Office, City Center Branch, Stanbic Bank Branch), Thika, Nakuru, Naivasha, Embu, Meru, Nanyuki, and Eldoret.

📦 Heritage Insurance Company’s Services and Insurance Packages

Heritage Insurance focuses on non-life (general) insurance for individuals and businesses, complemented by life and pension products offered by its sister company, Liberty Life Assurance Kenya.

🏥 Medical Insurance (General & Corporate)

  • Individual/Family: HeriAfya Medical Cover offers flexible and affordable healthcare for individuals and families, allowing customization of coverage limits.

  • Corporate/Group:

    • Liberty Blue/Heritage Blue plans (Blue Core, Blue Lite, Blue Classic, Blue Plus, and Global Elite) providing comprehensive, flexible health solutions for corporates and multinationals, with options for local, East Africa, or pan-African/worldwide coverage.

    • Includes in-patient, out-patient, and major disease benefits (cancer, organ transplants, renal dialysis).

🚗 Personal Insurance

  • Motor Insurance: Covers vehicles, including the innovative Auto Correct Motor Insurance policy, which uses telematics to adjust premiums based on driving behaviour.

  • Domestic Package: Protects your home (building and contents) against risks like fire, flooding, theft, and also includes coverage for domestic workers and legal liability.

  • Travel Insurance: Offers cover for trips.

  • Personal Accident Cover: Provides financial support following injury, disability, or accidental death.

  • Sportsman’s Policy: Protects sports enthusiasts and licensed gun owners from legal and accidental risks associated with their hobbies.

💼 Business and Asset Insurance

  • Commercial Motor Insurance

  • Property & Asset Protection: Includes policies like Fire and Fire Consequential Loss, Industrial All Risk, Contractors All Risk, Marine Insurance, Goods in Transit, Machinery Breakdown, Electronic Insurance, and Terrorism Cover.

  • Liability: Covers Professional Indemnity, Public Liability, and Employers Liability (WIBA – Workers Injury Insurance).

  • Fidelity Guarantee and Surety Bonds.

📈 Associated Products (Through Liberty Life Assurance Kenya)

  • Retirement: Boresha Maisha Individual Pension Plan, Boresha Ustaafu Income Drawdown.

  • Life/Investment: Group Life Cover, Hekima Critical Illness Plan, Legacy Funeral Cover, LifeVest Investment Plan, and Soma Plan (Investment plan for future goals).

Heritage Insurance Company’s Product List

Protect My Family

Solutions that offer you the peace of mind you need, ensuring that your loved ones remain safe and comfortable, no matter what challenges life may throw.

  • Recommended Products
  • Legacy Funeral Cover
  • Hekima Critical Illness Plan
  • Personal Accident Cover
  • Heri Afya Medical Cover

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